Citrus County property record for 3678 E Cove Park Trl, Hernando, FL 34442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,070 sqft · built 1998 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $218,000 (Jan 2020) |
| Tax Bill | $2,268 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-18S-14-0140-000F0-0170 |
| Primary APN | 19E-18S-14-0140-000F0-0170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,070 sqft Living Area |
| Gross Area | 2,620 sqft |
| 1st Floor Area | 2,070 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 100 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 79 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2800429 |
|---|---|
| Street Address | 3678 E COVE PARK TRL |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR |
| Legal Description | ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 17 BLK F |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | ARBOR LAKES - UNIT 1 |
| Legal Block | F |
| Legal Lot Number | 17 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 450105 |
Source: Citrus County records, as of March 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3678 E COVE PARK TRL, HERNANDO, FL 34442-5518 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Oct 16, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2020 · Amount on Record |
| Deed Sale | Jan 8, 2020 · Amount on Record |
| Prior Sale | Sep 1, 1997 · Amount on Record |
| Deed Document Number | 20201283 |
| Deed Book / Page | 3030 / 970 |
| Last Transfer Date | Oct 13, 2023 |
| Transfer Doc | 0034172082 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Oct 16, 2023 |
| Property Address | 3678 E COVE PARK TRL, HERNANDO, FL 34442-5518 |
| Document Number | 0034172082 |
| Book / Page | 3417 / 2082 |
| Map Reference | MB 15 PG 75-79 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023059932 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3678 E COVE PARK TRL, HERNANDO, FL 34442-5518 |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 3678 E COVE PARK TRL, HERNANDO, FL 34442-5518 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jan 8, 2020 |
| Property Address | 3678 E COVE PARK TRL, HERNANDO, FL 34442-5518 |
| Document Number | 0030300970 |
| Book / Page | 003030 / 000970 |
| Instrument Date | Jan 3, 2020 |
| Instrument | 1283 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | AFFILIATED TITLE/CTRL FL LIMITED, AFFILIATED TITLE/CTRL FL LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,526.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3678 E COVE PARK TRL HERNANDO FL 344425518, HERNANDO, FL 34442-5518 |
| Document Number | 30300972 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 003030/000972 |
| Instrument | 1284 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 7, 2035 |
Source: Citrus County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,268.00 (+5.54%) | $192,183 (-20.48%) | $244,329 (+1.1%) Land $10,560 Building $233,769 |
| 2024 | $2,149.00 (+2.92%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $241,681 (-0.33%) Land $9,830 Building $231,851 | $241,681 (-0.33%) Land $9,830 Building $231,851 |
| 2023 | $2,088.00 (+0.53%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $242,472 (+11.27%) Land $9,830 Building $232,642 | $242,472 (+11.27%) Land $9,830 Building $232,642 |
| 2022 | $2,077.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $217,904 Land $9,830 Building $208,074 | $217,904 Land $9,830 Building $208,074 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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